TERMTYPE OF LOANPURPOSE RAPYMENT DURATIONInterest rate
Short term loans:Coffee Advances (ADV)To finance primary production/ processing of crops.12 months10%, reducing balance
Coffee Processing loans (CPL)cooperatives and estates who want to install or replace obsolete processing units8 months10%, reducing balance
Cherry Advance (CHADV)Picking of cherry (Labour), Processing of cherry, Transport of cherry8 months5%, reducing balance
Medium term Loans:Extended Advance (EXADV)For producers in need of rehabilitating their crop by purchase of farm inputs, financing Farm operations such as labour and transportUp to 18 months10%, reducing balance
Bulk Acquisition of Farm Inputs (BAFI)Target: Cooperative societies; to improve quality and quantity of coffee produced through organized and purchase of inputs in bulk.Up to 18 months5%, reducing balance
Value addition Loan (VA)Agro–Processing Loan facility for borrowers who are engaged in processing or value addition to agricultural products through processing before sellingUp to 24 Months10%, reducing balance
Wholesale Lending (WSL)Targeted at farmer based Saccos, unions, marketing and milling agents and financial institutions involved in agricultural financing, as a means to increase Commodities Fund’s outreach by leveraging on the above institutions’ local presence18 months2.5%, Flat rate
Long term Loans:Coffee Establishment Loan (CEL)For producers who want to establish new crops or change season, as well as  increase acreageUp to 60 months10%, reducing balance
Coffee Machinery and Equipment Loan (CMEL)To facilitate borrowers acquire machinery and equipment.Up to 60 months10%, reducing balance
Infrastructure Loans This loan facility is meant to assist producers undertake critical construction works.Up to 60 months10%, reducing balance
Water Development/Irrigation LoansThis loan facility is aimed at assisting borrowers’ access water on the farm/premises and also installation of irrigation system.Up to 60 months10% reducing balance